I can see a potential problem with being prepared to sacrifice the cheap ones: is the breakage due to some error in setting, speed/feed etc; or an inherently weak insert?
Nevertheless they are not cheap if you buy from the reputable dealers as I think they purchase from industry-suppliers. I use JB Cutting tools and buy at the exhibitions. Since I use HSS as well I’ve not yet run out! I have used Greenwood Tools (was it?) in the past but they’ve disappeared.
Sellers such as the Beattys know our applications and can advise you.
I have tried an insert parting-tool but even in a rear-toolpost would not recommend it without being absolutely sure of the rigidity, squareness of set-up etc. They look inherently too weak for a lightweight machine of relatively low rigidity, and a commercially-made holder that introduces a big side overhang between blade-holder and tool-post. I have had more problems with insert parting tools than with HSS blades, and now use only HSS ones.
On the other hand, grinding an HSS parting-tool so it will work properly is not as straightforwards as it seems. They do not want any angle across the end, as that makes the chip wider than the kerf. The parting inserts are not only of optimum geometry, they also have a chip-folding groove to move the swarf from the wall of the cut.
I have also found with some materials, an HSS tool can give a better finish – but to be fair this tends to be on steel of unknown grade probably not made for fine work anyway. (A lot of my material is “pre-loved”, as they say, so always a gamble.)
Some bronzes can be very unco-operative too, but I have not found a definite difference between using carbide or HSS on them.
As for speeds – carbide inserts will work any sensible speed. I have recently cut a number of screw-threads using a carbide tool, on a Myford ML7 on back-gear, with no problems.
There is a widespread belief that insert tooling has to be run at great speed; but that arose because it can, not because it has to. These are really industrial tools intended for quoted lives in tens of minutes at maximum production rates on rock-solid machines with very precise material and tip choice, machine control, flood-coolant etc; but are happy sauntering along on an elderly hobby lathe with manual feed.
It is the combination of material, tool material and shape, and speed/feed setting; that is the key, not all-out rush.